i just use my bank of america debit or credit card when i pay. and then i get up to 15% cash back... put into my account! i know, right? [ male announcer ] introducing bankamerideals, free for online banking customers. sign in to your online banking to choose your deals today. >>> okay. 18 days now, maybe we'll start on the hourly count down clock. it depends on how they fashion the deal of whether we're going to have a budget cliff. in 2009, congress didn't pass the health care overhaul until christmas eve. in 2010, the $858 billion worth of tax cuts and stimulus spending, that got passed on december 16th, relatively early. and the social security tax cut didn't get passed until the day before christmas. welcome to both of you. all right, i want to try to -- yesterday's meeting seemed, brad, i want to start with you, was about the fact that the exchange of offer as this week didn't go well. do we still have a case where it's like the old movie cool hand luke, what we have here is a failure to communicate. they don't know how to communicate with